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Extreme Sport

Retire Tax-Free

On a scale of 1 to 10, with 1 being the most important and 10 the least; How important is implementing tax-avoidance into your overall financial plan?.....

...What steps have you taken in this regard?....


What is the difference between tax-deferred and tax-free?

In summary, tax-free means you paid the taxes on the initial investment today but you don't have to pay taxes on earnings or withdrawals, while tax-deferred means you postpone taxes until a later date when you withdraw the funds. The majority of people would like to avoid taxes at retirement. Creating an efficient tax-avoidance strategy can be a key factor in your financial plan. 

Simply it is either "paying tax on the seed or the harvest". Which is the best way to structure your plan? 


What if there was an asset that, when structured correctly, if you pay taxes now (the seed) on funds saved in this asset for the future you are able to receive income (the harvest) tax-free , whether its retirement income, education funding, business acquisition etc. This asset  is liquid, safely earns interest during market ups, has downside protection (zero is hero analogy) if the market goes down and most importantly, tax-free income when funds are withdrawn properly.


Wouldn't that be something that you would want to learn more about?....Yes, of course.

This may come as a shock, but the correct implementation of an IUL (Indexed Universal Life) policy can allow all of those points above for your retirement roadmap.

Below are some of the common tax-free and tax-deferred vehicles used in creating your Financial Road Map.

Tax-free vehicles:

  • Roth IRA 

  • Roth (401k,403b)

  • IUL - (Indexed Universal Life Insurance) cash value

  • 529 (unless not used for qualified education expenses)

  • Municipal bonds (generally are but may have exceptions depending on situation)


Tax-deferred vehicles:

  • Traditional IRA

  • 401k

  • 403b

  • Annuities

  • Pensions

  • Real Estate (some exceptions may apply)

  • Long-Term Capital Gains

The specific rules and regulations governing tax-free and tax-deferred accounts may vary depending on your jurisdiction and the type of account or investment involved.

Connect with me today to discuss the strategies that may fit best in your financial plan.

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